At the risk of being simplistic, the credit process of decision, monitoring and collection has remained unchanged for hundreds if not thousands of years. However we are seeing a strong mindset shift in the way banks and other lenders go about issuing credit. Long gone are the days of “all-you-can-eat” infrastructure where credit organisations, resolute to develop their core systems in house, would build them with excess capacity to account for future growth and peak demand. Modular scalability is the new cool! In our recent trip to Estonia we had the opportunity to sit down with Ian Kalla, CXO at Bankish a company that is building a “pay-as-you-grow” cloud banking platform on which clients can plug and play ecosystem solutions in a modular and scalable way. In this lively conversation you’ll learn how Bankish is reducing barriers to market entry, accelerating speed to market, reducing costs and allowing lenders to focus on what they are best at, powering their customer’s dreams!